Smile

Smile

Group life insurance for your growing business

Starting from 
AED 2000 per year..

Get life insurance for your entire team, at a price you’ll love..

Make the life of 
your company 
happier..

Your business is powered by a team of superheroes, each taking on larger responsibilities to get things done.


That’s why you need to secure your team with SMilE, our group life insurance specially made for SMEs.

What is SMilE group life insurance?

SMilE is a life insurance coverage for your entire crew, including accident and disability cover. If something happens to one of your employees, we’ll make a payout, enabling you to provide financial support to their family when it's needed most.

How much does SMilE cost?

We’ve kept it super cost-effective!

The insurance charge depends on the number of employees you have, and the coverage amount you choose.

For example:

Lime circle

SMILE start’s at

AED 2000

per year

Lime circle

for a team of

5 employees

Lime circle

Which covers each member for 

AED 100,000 Life cover,

+ 50% advance payment for a terminal illness

+ AED 100,000 Accidental death cover,

+ Permanent partial or total disability cover, 

+ AED 10,000 Body repatriation expenses.

That’s probably how much you’d spend at a game night out with your team. 

Financial security for your people is truly priceless! 

Get a quote to protect your team!

Let’s get started

What does SMilE cover?

Give your employees the financial security they deserve with SMilE’s protection benefits.

Group life cover

We'll pay out the group life cover if an employee passes away. We'll provide 50% of the payout in advance if they're diagnosed with a terminal illness.

Accidental death cover

An additional payout equal to the life cover amount if death is due to an accident.

Permanent partial or total disability

We’ll pay up to 100% of the life cover, with the percentage dependent on the severity of the disability.

Body
repatriation expenses

AED 10,000 to transfer the body to the home country for final rites.

All the benefits available with SMilE, the Zurich International Group Risk Solutions policy for SMEs, are subject to the Policy Terms and Conditions. We encourage you to read the SMilE quote and the Policy Terms and Conditions to understand what you are purchasing. You can contact us for a copy anytime.

Employee benefits are becoming a key differentiator for attracting talent, apart from salary.

9 in 10 employees
96% Employers agree
9 in 10 employees and 96 percent

Source: Zurich Future of Work report 2024 – Read the full report

Offering meaningful employee benefits helps you retain top talent, create a positive workplace, and enhance employee well-being. Set your company apart as a top employer.
Afterall, financially secure employees are happier and more productive.
Start securing your dream team!
Get a quote

How does it work?

Talking with Customer

Sign up

Request a quote for your company.

Networking

Enroll Employees

No medical tests needed! Just provide your employees’ details and their chosen beneficiaries.

Girl with Laptop

Make the payment

Once paid, you’ll receive the policy confirming the start of coverage.

Support People

Launch the benefits

Announce the great news and give your team peace of mind and financial security.

Talk to us today about SMilE.
Because it's worth making the life of your company happier.

How do we get it?

Reach out to our employee benefits experts.